How Much Does Window Cleaning Business Insurance Cost? 2025 Rates

In 2025, U.S. window cleaning businesses can expect to pay between $780 and $960 annually for comprehensive business insurance, averaging $65 to $80 per month. The primary cost drivers are business size, location, coverage limits, employee count, claims history, equipment used, type of properties serviced, and experience level.

How Much Does Window Cleaning Insurance Cost?

The average window cleaning business in the U.S. pays between $780 and $960 per year for a full business insurance package. That breaks down to roughly $65 to $80 per month. However, this is just a ballpark range and actual costs can vary widely depending on your specific situation.

Every window cleaning business faces different risks, so insurance costs can vary a lot. A solo cleaner working part-time on small homes will likely pay much less than a company with several employees cleaning high-rise buildings. Things like how high you work, the type of buildings you clean, the tools and equipment you use, and whether you have employees can all affect your business insurance costs.

For example, businesses that clean tall commercial buildings may pay more for liability and workers’ comp coverage because of the increased risk of injury or property damage, compared to a residential window cleaner who works from the ground or a small ladder.

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

Understanding these variables can help you better estimate your insurance needs and prepare for the real costs of protecting your window cleaning business.

Average Window Cleaning Insurance Costs For Coverage Types

When it comes to protecting your window cleaning business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan. Here’s a closer look at the major coverages most window cleaning businesses need.

• General liability insurance: $65 per month
• Business owner’s policy: $80 per month
• Workers’ compensation insurance: $141 per month
• Commercial auto insurance: $168 per month
• Commercial umbrella insurance: $84 per month
• Janitorial bonds: $11 per month

General Liability Insurance

The average cost of general liability insurance for a window cleaning business is about $65 per month.

General liability covers third-party bodily injury, property damage, and advertising injuries. For example, if you’re cleaning windows at a client’s home and accidentally knock over an expensive vase, this policy would help pay for the replacement cost and any legal fees if the client decides to sue.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Factors that influence the cost include the business size, location, previous claims history, the type of window cleaning work you do, and any subcontractors or additional insured endorsements.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $80 per month for window cleaning business.

A BOP bundles general liability insurance with commercial property insurance. It protects against customer injuries, property damage, and loss or damage to your equipment and workspace. For example, if a fire breaks out in your storage area and damages your cleaning tools and office space, the BOP would help pay for repairs and replacements.

Typical policy limits are $1 million per occurrence and $2 million aggregate for liability, with separate property coverage limits based on the value insured.

Cost factors include the business size, value of your window cleaning equipment and other property.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a window cleaning business is around $141 per month.

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example,  if one of your window cleaners falls off a ladder and injures their back, workers’ compensation would help pay for their hospital treatment and some of their lost income while they recover.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Commercial Auto Insurance

The average cost of commercial auto insurance for a window cleaning business is about $168 per month.

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if you’re driving your work van to a job site and accidentally hit another car, this policy would help pay for the damage and any claims from the other driver.

Factors influencing the cost include the number and type of vehicles, how often they are used, policy limits, claims history, and the driving records of anyone permitted to drive.

Commercial Umbrella Insurance

The average cost of commercial umbrella insurance for a window cleaning business is about $84 per month.

Commercial umbrella insurance gives your business extra protection by adding more coverage on top of your other insurance policies, like general liability or commercial auto. It helps cover big claims that go over the limits of your regular insurance.

For example, one of your employees drops equipment from a high-rise building and seriously injures someone below. If the medical bills and legal costs go beyond what your general liability policy covers, your commercial umbrella insurance would kick in and help cover the rest.

Janitorial Bonds

The average cost of janitorial bonds for a window cleaning business is about $11 per month.

Janitorial bonds are a type of insurance that protects your customers if one of your employees steals from them while on the job.

Window cleaners often work inside homes, offices, and other private spaces. If a customer accuses your worker of stealing something valuable, a janitorial bond can help pay the customer back. It also shows customers that your business is trustworthy and helps you look more professional.

What Factors Impact Your Window Cleaning Insurance Costs?

Window cleaning insurance premiums are carefully calculated by underwriters based on your business’s risk profile. From the types of buildings you clean to your location and claims history, several factors influence what you’ll pay for coverage.

Type Of Window Cleaning Work

Different types of window cleaning come with different risks. Cleaning high-rise buildings usually costs more to insure than cleaning small homes because of the greater chance of accidents.

Use Of Equipment

Using special equipment like scaffolding, lifts, or water-fed poles can increase your insurance costs because they add risk.

Location

Window cleaning businesses in busy cities or areas with bad weather might pay more for insurance. Safer neighborhoods with fewer claims can lower your rates.

Size Of Your Business

A bigger business with more employees, vehicles, and clients usually pays more for insurance. More workers means higher workers’ compensation costs.

Value Of Tools And Equipment

Expensive tools like lifts, and cleaning machines increase your property insurance costs. Protecting these tools is important since they are costly to replace.

Claims History

If your business has made many insurance claims before, insurers will see you as riskier and charge more. Having a clean record can help lower your premiums.

Insurance Company

Different insurance companies offer different prices. Some specialize in cleaning businesses and might give you better rates. It’s smart to compare quotes before choosing a policy.

How To Lower Your Window Cleaning Insurance Costs

Running a window cleaning business can be expensive, but your insurance bill doesn’t have to break the bank. While you can’t eliminate the need for coverage, you can take smart steps to reduce your premiums without sacrificing protection. Here are some practical ways to lower your window cleaning insurance costs:

1. Bundle Your Policies

One of the easiest ways to save is by bundling multiple policies. Most insurers offer a Business Owner’s Policy (BOP) that combines general liability and property insurance at a lower rate than if you bought them separately. If you also need workers’ compensation, bundling both through the same provider can lead to additional discounts. Not only does this simplify your paperwork, but it also makes your coverage more cost-efficient.

2. Ask About Discounts

Insurance companies often reward window cleaning businesses that commit to a policy long-term. Ask your provider if they offer multi-year discounts for signing a two- or three-year agreement instead of renewing annually. You might also qualify for lower rates if you pay your premium in full instead of in monthly installments.

3. Implement Safety Measures

Accidents cost a lot for both you and your insurance company. By working to prevent injuries to your customers and workers, you can lower your insurance costs over time. For example, using non-slip mats, putting up wet floor signs, keeping walkways clean and clear, and regularly checking your cleaning tools can help reduce the chance of accidents and make your business safer.

4. Create A Safe Working Environment

A strong safety program can help lower your workers’ compensation costs. This means training your staff on safe ways to use equipment, how to lift heavy items properly, and what to do in emergencies. When fewer accidents happen, you’ll have fewer insurance claims, which can lead to lower premiums over time.

5. Adjust Your Deductible

Your deductible is the amount you pay out of pocket before insurance coverage kicks in. Choosing a higher deductible can significantly reduce your monthly premiums. Just make sure you can comfortably cover that amount if a claim arises.

By taking these steps, you not only save money but also make your window cleaning business a safer, and more resilient business.